Column

Housing market (Last update: Jan 2025)

Table specification (Last update: Jan 2025)

Date Loan to pay (kr) Loan paid (%) Amortization (kr) Amortization (%) Interest (%) Interest (kr) Pay per month (kr)
Jan 2025 1’356’275 12.50 2’583 2.29 3.37 3’816 6’399
Dec 2024 1’358’858 12.33 2’583 2.28 4.12 4’674 7’257
Nov 2024 1’361’441 12.17 2’583 2.28 4.12 4’683 7’266
Oct 2024 1’364’024 12.00 2’583 2.27 4.32 4’920 7’503
Sep 2024 1’366’607 11.83 2’583 2.27 4.72 5’385 7’968
Aug 2024 1’369’190 11.67 2’583 2.26 4.72 5’396 7’979
Jul 2024 1’371’773 11.50 2’583 2.26 4.72 5’406 7’989
Jun 2024 1’374’356 11.33 2’583 2.26 4.97 5’703 8’286
May 2024 1’376’939 11.17 2’583 2.25 4.97 5’714 8’297
Apr 2024 1’379’522 11.00 2’583 2.25 4.97 5’724 8’307
Mar 2024 1’382’105 10.83 2’583 2.24 4.97 5’735 8’318
Feb 2024 1’384’688 10.67 2’583 2.24 4.97 5’746 8’329
Jan 2024 1’387’271 10.50 2’583 2.23 4.97 5’756 8’339
Dec 2023 1’389’854 10.33 2’583 2.23 4.99 5’790 8’373
Nov 2023 1’392’437 10.17 2’583 2.23 4.99 5’801 8’384
Oct 2023 1’395’020 10.00 2’583 2.22 4.99 5’812 8’395
Sep 2023 1’397’603 9.83 2’583 2.22 4.74 5’531 8’114
Aug 2023 1’400’186 9.67 2’583 2.21 4.74 5’541 8’124
Jul 2023 1’402’769 9.50 2’583 2.21 4.74 5’551 8’134
Jun 2023 1’405’352 9.33 2’583 2.21 4.24 4’975 7’558
May 2023 1’407’935 9.17 2’583 2.20 4.24 4’984 7’567
Apr 2023 1’410’518 9.00 2’583 2.20 4.24 4’993 7’576
Mar 2023 1’413’101 8.83 2’583 2.19 3.59 4’235 6’818
Feb 2023 1’415’684 8.67 2’583 2.19 3.59 4’243 6’826
Jan 2023 1’418’267 8.50 2’583 2.19 3.59 4’251 6’834
Dec 2022 1’420’850 8.33 2’583 2.18 3.59 4’258 6’841
Nov 2022 1’423’433 8.17 2’583 2.18 3.59 4’266 6’849
Sep 2022 1’426’016 8.00 2’583 2.17 3.59 4’416 6’999
Aug 2022 1’428’599 7.83 2’583 2.17 1.14 1’360 3’943
Jul 2022 1’431’182 7.67 2’583 2.17 1.14 1’362 3’945
Jun 2022 1’433’765 7.50 2’583 2.16 1.14 1’365 3’948
May 2022 1’436’348 7.33 2’583 2.16 1.14 1’367 3’950
Apr 2022 1’438’931 7.17 2’583 2.15 1.14 1’369 3’952
Mar 2022 1’441’514 7.00 2’583 2.15 1.14 1’372 3’955
Feb 2022 1’444’097 6.83 2’583 2.15 1.14 1’466 4’049
Jan 2022 1’446’680 6.67 2’583 2.14 1.14 1’285 3’868
Dec 2021 1’449’263 6.50 2’583 2.14 1.14 1’379 3’962
Nov 2021 1’451’846 6.33 2’583 2.13 1.14 1’382 3’965
Oct 2021 1’454’429 6.17 2’583 2.13 1.14 1’384 3’967
Sep 2021 1’457’012 6.00 2’583 2.13 1.14 1’387 3’970
Aug 2021 1’459’595 5.83 2’583 2.12 1.35 1’645 4’228
Jul 2021 1’462’178 5.67 2’583 2.12 1.35 1’648 4’231
Jun 2021 1’464’761 5.50 2’583 2.12 1.35 1’651 4’234
May 2021 1’467’344 5.33 2’583 2.11 1.35 1’654 4’237
Apr 2021 1’469’927 5.17 2’583 2.11 1.35 1’657 4’240
Mar 2021 1’472’510 5.00 2’583 2.10 1.35 1’659 4’242
Feb 2021 1’475’093 4.83 2’583 2.10 1.35 1’773 4’356
Jan 2021 1’477’676 4.67 2’583 2.10 1.35 1’554 4’137
Dec 2020 1’480’259 4.50 2’583 2.09 1.35 1’668 4’251
Nov 2020 1’482’842 4.33 2’583 2.09 1.35 1’671 4’254
Oct 2020 1’485’425 4.17 2’583 2.09 1.35 1’674 4’257
Sep 2020 1’488’008 4.00 2’583 2.08 1.35 1’677 4’260
Aug 2020 1’490’591 3.83 2’583 2.08 1.35 1’680 4’263
Jul 2020 1’493’174 3.67 2’583 2.08 1.35 1’683 4’266
Jun 2020 1’495’757 3.50 2’583 2.07 1.35 1’686 4’269
May 2020 1’498’340 3.33 2’583 2.07 1.35 1’689 4’272
Apr 2020 1’500’923 3.17 2’583 2.07 1.35 1’691 4’274
Mar 2020 1’503’506 3.00 2’583 2.06 1.35 1’694 4’277
Feb 2020 1’506’089 2.83 2’583 2.06 1.35 1’754 4’337
Jan 2020 1’508’672 2.67 2’583 2.05 1.35 1’643 4’226
Dec 2019 1’511’255 2.50 2’583 2.05 1.35 1’703 4’286
Nov 2019 1’513’838 2.33 2’583 2.05 1.35 1’706 4’289
Oct 2019 1’516’421 2.17 2’583 2.04 1.35 1’709 4’292
Sep 2019 1’519’004 2.00 2’583 2.04 1.35 1’712 4’295
Aug 2019 1’521’587 1.83 2’583 2.04 1.35 1’715 4’298
Jul 2019 1’524’170 1.67 2’583 2.03 1.35 1’718 4’301
Jun 2019 1’526’753 1.50 2’583 2.03 1.35 1’721 4’304
May 2019 1’529’336 1.33 2’583 2.03 1.35 1’723 4’306
Apr 2019 1’531’919 1.17 2’583 2.02 1.35 1’726 4’309
Mar 2019 1’534’502 1.00 2’583 2.02 1.35 1’729 4’312
Feb 2019 1’537’085 0.83 2’583 2.02 1.35 1’848 4’431
Jan 2019 1’539’668 0.67 2’583 2.01 1.35 1’619 4’202
Dec 2018 1’542’251 0.50 2’583 2.01 1.35 1’738 4’321
Nov 2018 1’544’834 0.33 2’583 2.01 1.35 1’741 4’324
Oct 2018 1’547’417 0.17 2’583 2.00 1.35 2’790 5’373

Column

Loan payed

Summary costs and possible gains (assuming 30% tax on the gain)

Predictions are based on the 5 sold similar apartments in one year.

Month Percentile Estimated value Vinstskatt Pengar tilbaka
75 Ref 2’000’000 0 641’142
75 10% 1’859’482 0 500’624
75 15% 1’864’214 0 505’356
75 20% 1’868’947 0 510’089
75 25% 1’873’680 0 514’822
75 30% 1’894’944 0 536’086
75 35% 1’916’208 0 557’350
75 40% 1’937’472 0 578’614
75 45% 1’958’736 0 599’878
75 50% 1’980’000 0 621’142
75 55% 1’990’003 0 631’145
75 60% 2’000’006 0 641’148

Structure of the amount per month paid